Roman Ojala
Roman Ojala is an industry analyst at Callahan & Associates.
Overdraft Fees Jumped 18.1% In Third Quarter Of 2022
Tighter budgets and higher prices for consumer goods caused members to overdraft their accounts more frequently in the third quarter of 2022.
5 Key Takeaways From Trendwatch 3Q 2022
Lending was the theme of the third quarter as the economic environment undergoes a complete reversal.
It Takes Time For Loan Portfolios To Reprice
If history is a guide, the average yield on loans will take time to adjust to the sharp increases in the federal funds rate.
Consumer Sentiment Slides Amid Recession Fears
High inflation and low unemployment are clashing, resulting in economic pessimism that hasn’t been seen in more than a decade.
Cash At Credit Unions Declined 26% In The Second Quarter
Amid market volatility and ongoing loan demand, cash balances decreased nearly $66 billion. What else happened in the investment portfolio?
What’s Next for the Housing Market?
The U.S. is experiencing a shortage of homes amid record demand, which is likely to have an impact on mortgage lending moving forward.
Mortgage Slowdown Cuts Origination Fees In Half
Income from mortgage originations and servicing were down from one year ago following slowdowns in sales and refinancing.
Callahan’s Guide To The 2022 Final Four
The sports analysts at Callahan & Associates wrap up March Madness with predictions based on credit union performance data. Which team will reign supreme?
3 Investment Trends From The Fourth Quarter Of 2021
Credit unions are positioning their balance sheets to deliver greater yields as investment and lending conditions adapt to a late-pandemic environment.
Credit Unions Have A Staffing Problem
The U.S. labor shortage is wreaking havoc on businesses. How is it impacting credit unions, and what are they doing about it?